Types of Insurance

Cornerstone Insurance Group is here  to provide exceptional  personal service and the best insurance products.  See for yourself why others look to Cornerstone Insurance  Group for all of their insurance needs.
Home Insurance
Homeowners insurance protects you financially against unexpected disasters. A standard policy insures your home itself and the items you keep within your home. Homeowners insurance is so much more than simply keeping your home and possessions safe. It can also cover liability or legal responsibility for any injuries and property damage you or a member of your family cause to someone else.​
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Auto Insurance
Auto insurance is intended to protect you if you cause injuries to others or damage another person’s property in an auto accident. Physical damage coverage can also be purchased to repair your vehicle if it is damaged or stolen. There are a variety of auto insurance coverage options available and premiums can vary from customer to customer. It is best to speak with your agent about what coverages are best suited for you and your family.
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Renters InsurancE
Renters Insurance acts similar to homeowners insurance for a person that is renting or subletting. It protects property of a renter and his or her possessions within the dwelling, as well as providing personal liability coverage. It does not include coverage for the dwelling or structure of the property, however.
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Business Insurance
Insurance coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability, business auto and employee-related risks.
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Employee Benefits
​Our insurance agents are able assist businesses in writing group health, vision, dental, or life insurance policies to offer to their employees as a benefit of employment.
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Farm, Crop & Pivot Insurance
​A farm policy can be structured to meet the needs of your individual farming operation. Coverage can be provided to mirror a homeowner’s policy for homes located on a farm property, as well as providing coverage for farm buildings, equipment, tools, livestock and the many liability exposures that can exist while running a farm operation. Your insurance agent will ask you questions about your farming operations to help ensure you have all the coverages needed to best protect you and your farming business.
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Health Insurance
Health insurance is purchased to assist with costs associated with medical services when you are injured or sick. Like other insurance plans, you choose a plan and agree to pay a certain rate each month and your health insurer agrees to pay a portion of your covered medical costs. Other types of health insurance may cover more than just medial services including: prescription drugs, vision, dental, travel, life and disability.
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Life Insurance
​Life insurance is a policy that pays out a sum of a money to a designated beneficiary upon the death of the insured person or after a set period of time. Depending on the policy purchased, payments may also be received on such occasions as terminal or critical illness.​ Life insurance typically falls into two categories: Protection polices – designated to provide benefit in the event of a specified event, and Investment polices – designed to facilitate the growth of capital by regular payments.
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Long-Term Care Insurance
​​Coverage that provides assistance in paying for care needed when living at home or in an assisted living facility.
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​Medicare Supplement
Policy that can help pay for health care costs that original Medicare doesn’t cover including: copayments, coinsurance and deductibles. Extended coverages may also be included such as medical care when you travel outside of the country.  Talk to your insurance agent today to see if Medicare Supplement Insurance is right for you.
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Flood Insurance
Flood insurance is available for homeowners, renters and condo owners/renters. Costs depend on how much insurance is purchased and the property’s flood risk. Typically there is a 30-day waiting period from the date of purchase before your policy goes into effect. Talk to an insurance agent to determine your flood risk and the best coverage for you and your home or business.
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Dwelling Fire Insurance
A dwelling fire policy is used to insure 1-4 unit residential dwellings that are not eligible for coverage under the standard homeowners program because of age, location, value or other factors. The dwelling can be completed or in the course of construction and can be either owner occupied or tenant occupied. Coverage for the structure is included in the policy, but an insured can add property, liability and other coverages at their discretion.
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Bonds Insurance
A surety bond is a promise to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract.  The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation.
A fidelity bond is a form of insurance protection that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals.  It usually insures a business for losses caused by the dishonest acts of its employees.
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Boat Insurance
​Boat insurance policies provide indemnity liability coverage on your boat and includes liability for bodily injury or damage to the property of others and damage of personal property on the boat. Physical damage coverage can also be added to cove the boat itself.
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ATV Insurance
ATV (all-terrain vehicle) insurance, much like Boaters Insurance, can provide coverage for physical damage to an ATV. These policies include bodily injury liability coverage, liability for property damage to others, medical payments and uninsured/underinsured motorist coverage. Additional options, such as towing and labor, are available so you can customize your coverage to fit your needs.
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Motorcycle Insurance
​Motorcycle insurance can provide coverage for liability and/or physical damage arising from the operation of a motorcycle. A policy mirrors an auto insurance policy with bodily injury and property damage liability and physical damage (comprehensive and collision) coverages. Special coverages tailored to the needs of cyclists are also available.
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​Recreational Vehicle Insurance
Recreational vehicle insurance can provide liability and/or physical damage coverage arising from the operation of a vehicle designed as temporary living quarters for recreational, camping, travel or seasonal use. RVs can be motorized or towable.
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